System and method for formless, self-service registration for access to financial services

ABSTRACT

A system for enabling users to register to use external financial services comprises a central office comprising an operating platform including a communication interface and a user database having a plurality of records for individual users; wherein the central office communicates via the communication interface with a plurality of remote formless, self-service registration stations; whereby a registration station scans an identification card with a card scanner, photographs the user to create a verification image and records a biometric parameter unique to the user, whereupon the registration station transmits an image of the identification card, the biometric parameter and the verification image to the central office; wherein the operating platform translates text from the identification card and creates a record for the user and wherein the operating platform uses the translated text to populate fields in the user record and retrieves and displays the record to an administrator for review.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims benefit of U.S. Provisional Application No.61/644,878, filed May 9, 2012, entitled SYSTEM AND METHOD FOR FORMLESS,SELF-SERVICE REGISTRATION FOR ACCESS TO FINANCIAL SERVICES (Atty. Dkt.No. GNRT-30929), the specification of which is incorporated herein inits entirety.

TECHNICAL FIELD

The following disclosure relates to a system and method for formlessregistration of an unbanked user for financial and similar services.

BACKGROUND

The availability of self-service financial technology and devices suchas automated teller machines, (ATMs), and similar devices has grownexponentially over the past several years. Such devices typicallyprovide banking, funds transfer, bill payment services and the like tocustomers of a financial institution. However, the devices and systemsused to provide such financial transactions have typically been limitedto services provided by a given financial service provider. Some devicesdo allow for multiple services from a common location, but such servicetypically requires a dedicated VPN connection between the device and theservice provider. In order to utilize such services, a customer musttypically have an account with a financial service provider and/or acredit, debit or similar card issued by the service provider. Forexample, self-service ticket machines are typically limited todispensing tickets and require the use of a credit card or debit card tocomplete a purchase. To obtain a credit card or debit card, a user istypically required to fill out one or more forms and submit thecompleted to form to the bank or other financial institution whichprocesses the form, opens an account for the customer and provides thecustomer with a card or card that enables the customer to access andutilize the services provided by the financial institution and otherentities.

Currently, however, there are significant populations of unbanked orunder-banked consumers that do not have access to such services for anumber of reasons. Members of such populations may not have a credit ordebit card for a variety of reasons; for example, language barriers,cultural factors, or simply a lack of knowledge. Some customers maysimply not wish to deal with the paper work required to obtain a creditor debit card. Such customers may also be unwilling to complete on-lineforms that are commonly used to register for financial and similarservices. Unbanked or under-banked populations may reside in geographicregion(s) where financial service providers do not maintain branchoffices due to demographic factors. The economics of locating an officeor store front such as a branch bank office in such regions may precludefinancial service providers from locating store fronts or branch officesin these regions. Additionally, postal services may be limited ornon-existent in such regions.

SUMMARY

In one aspect thereof, a method for enabling users to access financialservices of subscribing financial services with a central verificationsystem includes creating a verifiable user profile for a given user. Theuser presents, at a fixed location, a verifiable identification ((ID)with a photo attached that can be verified by a third party as beingassociated with the photograph on the verifiable ID. One or morebiometrics of the given user are input and a photograph of the user istaken proximate to the fixed location at which the verifiable ID and thebiometrics are input. The verifiable ID, biometrics and photograph aretransmitted to the central verification system which provides a uniquecode to the given user after receipt of the verifiable ID, the inputbiometrics and the photograph. A financial transaction may be initiatedby presenting, at a financial transactions location, a list of availablefinancial services to the given user in response to the given user beingproximate to the location. At least one of the available financialservices is from the group of the subscribing financial services. Theuser selects the subscribing financial service and a photo of the useris taken with a camera disposed at the financial transactions location.

One or more biometrics and the user's unique code are received at thefinancial transactions location and the code, biometrics and photo aretransmitted to the central verification system which verifies that thereceived biometrics and code are in fact associated with the centralverification system. The financial transaction is then allowed toproceed. The method includes completing the transaction afterverification. The operation of creating the verifiable user profile isconducted at a physical kiosk having an input device for receiving averifiable ID with photograph and the biometrics in addition to having acamera associated therewith for taking a photograph.

The physical kiosk includes the capability to take more than onephotograph, with at least one being known by the given user taken at thetime of inputting the information. The other photographs are capable ofbeing taken at different times proximate to the time of input of theinformation. Multiple cameras at different angles may be provided, suchthat at least one of the cameras is known to the user at the time theinformation is input during the creation operation and the other camerasbeing hidden from the given user's knowledge and possibly the view ofthe given user before taking pictures also proximate in time to the timeof input of either verifiable IDs or biometrics.

In another aspect, the financial transactions location for conducting atransaction includes at least one additional camera for taking aphotograph unknown to the user at the time of initiating the financialtransaction. The step of presenting a list of financial servicesprovides an indicator for the subscribing financial service to indicateto the given user the one of the available financial services associatedwith the verifiable user profile. A display is provided at the fixedlocation.

In one variation, a system for enabling users to register to useexternal financial services comprises a central office including anoperating platform having a processor and a communication interface. Thecentral office further includes a user database having a plurality ofrecords for individual users stored on a database. The user records eachincludes a user customer identification number, the user's name andaddress, an image of an identification card of the user, a verificationimage of the user and an associated biometric parameter of the user. Thecentral office is operative to communicate via the communicationinterface with a plurality of formless, self-service registrationstations remote from the central office. Each of the formless,self-service registration stations includes a camera operable to createa user verification image, a card scanner operable to create an image ofan identification card of the user, a biometric scanner operable torecord a biometric parameter of the user and a user interface adapted toenable a user to initiate a registration procedure for registering auser.

In some variations, the user interface is operable to enable a user toenter a customer identification code during the registration process.The user's verifiable customer identification card is then scanned bythe user with the card scanner. The customer identification cardincludes the user's name and address. The self-service formlessregistration station photographs the user to create a verification imageof the user and records a biometric parameter unique to the user. Theself-service formless registration station then transmits an image ofthe verifiable customer identification card, the biometric parameter andthe verification image of the user to the central office. The operatingplatform is operable to translate text from the user's customeridentification card including the user's name and address. The operatingplatform is also operable to create a record for the user including acustomer identification number for the user, the verification image ofthe user, the image of the user's identification card and the translatedtext from the user's identification card. The operating platform usesthe translated text to populate fields in the user record including theuser's name and address. The operating platform is further operable toretrieve and display a user record including the user verificationimage, the image of the user identification card and the user's name andaddress to an administrator for review of the user record. Thus, thesystem and method disclosed herein enables a user to register to userfinancial and similar services without filling out paper or onlineforms.

BRIEF DESCRIPTION OF THE DRAWINGS

For a more complete understanding, reference is now made to thefollowing description taken in conjunction with the accompanyingdrawings in which:

FIG. 1A is a schematic representation of a system as disclosed anddescribed herein;

FIG. 1B is a flow chart illustrating the method of FIG. 1A;

FIG. 1C illustrates a representation of a customer record;

FIG. 2A is diagrammatic illustration of a terminal for use in the systemof FIG. 1A;

FIG. 2B is a block diagram illustrating one possible configuration forthe terminal of FIG. 2A;

FIG. 2C is a block diagram illustrating the manner in which differentterminals may be configured in one embodiment according to thedisclosure;

FIG. 2D is a schematic representation of a mobile terminal for use inthe system of FIG. 1A;

FIG. 2E illustrates a diagrammatic view of the terminal;

FIGS. 3A and 3B is a flow chart illustrating one method implemented viathe system of FIG. 1A; and

FIGS. 4A and 4B is a flowchart of a second method implemented utilizingthe system of FIG. 1A.

DETAILED DESCRIPTION

Referring now to the drawings, wherein like reference numbers are usedherein to designate like elements throughout, the various views andembodiments of a system and method for formless, self-serviceregistration for access to financial services are illustrated anddescribed, and other possible embodiments are described. The figures arenot necessarily drawn to scale, and in some instances the drawings havebeen exaggerated and/or simplified in places for illustrative purposesonly. One of ordinary skill in the art will appreciate the many possibleapplications and variations based on the following examples of possibleembodiments.

FIG. 1A is a schematic representation of a system 100 as describedherein. In one embodiment, system 100 includes a plurality of userterminals or kiosks 110. Each of the terminals 110 may have a different“character” depending on the service modules (or external resources)available at the terminal 110. In different variations, terminals 110may be linked to the central office 116 by means of a network 118 suchas a local area network, a GSM connection or by means of the publictelephone system (POTS). Central office 116 interfaces with serviceproviders 112 via network 118 which may be utilized to access and/orobtain service modules corresponding to the services offered by thedifferent service providers. Service providers 112 may include a varietyof financial institutions such as banks, credit card companies and otherfinancial service providers.

As illustrated, central office 116 includes a front end processor 122and a back end processor 124, which together, may be referred to as the“central office processor.” Databases 126 and 128 are associated withfront and back end processors 122 and 124, respectively. Database 126may include information regarding the configuration, (i.e., the identityof and the services enabled on different terminals 110) along with theinformation required to interface with the terminals. Central office 116includes a user verification system as operative to verify the identityof a user when the user creates an account and when the user conductsfinancial transactions as hereinafter described. Database 128 mayinclude information required to interface with service providers 112,such as information required to format information for use by a selectedservice provider 112, as well as the information required to receive andprocess information received from the service providers. User profileswith such information as age, gender, biometric parameter data such as apalm vein scan or fingerprint scan, the user's service history and otherinformation may be stored on database 126, database 128 or both.Additional data such as transaction data, logs, analysis data andresults and performance data may also be stored on either or both ofdatabase 126 and database 128. Each of the processors 122, 124 has anassociated data interface (hardware) for communicating with terminals110 and service providers 112.

Each of the terminals 110 is configured as an independent interface to aparticular user utilizing that particular terminal 110. Each of theterminals 110, as will be more fully described hereinbelow, hasassociated therewith service modules or external resources that willallow the user to effectively interface with the service provider 112 toboth input information to the system for use in the transaction and toreceive an output from the transaction, if such is appropriate, thisbeing a transaction-dependent operation. During the transaction, therewill be many interactions between the terminal 110 and the centraloffice 116, this interaction allowing less of the transaction to beimplemented on the terminal 110 and more to be implemented on thecentral office. System 100 may be the same as, or similar to the systemdescribed in U.S. Publication No. 2010/0179990, published Jul. 15, 2010,U.S. patent application Ser. No. 12/684,929, to Cacheria, et al., filedJan. 9, 2010, the disclosure of which is incorporated herein for allpurposes.

FIG. 1B is a flow chart illustrating a method of formless, seamlessregistration for potential customers of service providers such asfinancial institutions to enable potential customers to access suchservices with a single registration. The process begins at step 1000where a potential customer approaches a kiosk or remote terminal 110. Atstep 1002, the customer's presence is sensed at terminal 110 by means ofa motion detector, touch screen or similar sensor. At step 1004, ascreen is displayed prompting the customer or potential customer tobegin. At step 1006, the customer selects “Begin” and at step 1008, thecustomer is prompted to enter a customer identification number (CID). Atstep 1010, if the customer enters a CID, the customer may proceed toconduct a financial transaction at 1012 after which the process ends atstep 1014. If the customer is not registered or authorized for theservice that he or she selects, the process jumps to step 1064 asdescribed hereafter. If the customer elects not to register, at step1018, the process loops back to Start at 1020.

If the customer elects to register, the customer or potential customeris prompted to scan a photo ID such as a driver's license, passport orsimilar identification card at step 1024. Preferably, the ID is one thatmay be verified by accessing a public or private database includingrecords identifying the user. For example, if the customer ID is adriver's license, the ID may be verified by accessing a private orpublic database containing records of individuals having a driver'slicense. Such records may include an individual's driver's licensenumber, address, age and a photo of the individual.

If the customer fails to scan a photo ID or if the photo ID is notacceptable, for example if the ID is not legible, the process returns toStart at step 1030. If the photo ID scan is acceptable, the image iscaptured at step 1034 and the image is processed via optical characterrecognition (OCR) at 1036. At step 1038, a customer record is created ata central office remote from the kiosk or terminal and the customerrecord is populated with data from the scanned and processed photo ID atstep 1040. At step 1042, the customer image captured from the photo IDat step 1034 is stored in the customer record.

FIG. 1C is a representation of a customer record. The customer recordmay include fields for information such as a customer's name, customeridentification number (CID), a social security number (SSN), a driver'slicense number, a driver's license expiration date, a library cardnumber, the customer's address, and other pertinent information. In thecase where the scanned photo ID is a passport, for example, thepertinent information may be captured from the passport, OCR'd and usedto populate the customer record. The customer record may also include abiometric such as a photograph taken by the kiosk or remote terminal, apalm vein scan, a fingerprint, a retinal scan or a voice print.

Returning to FIG. 1B, at step 1040, the customer record is populatedwith the data scanned and OCR'd from the customer ID. At step 1042, thefirst customer image from the scanned ID is stored in the customerrecord. At step 1044, the customer is photographed with a local cameraand the photograph may be taken multiple times during the registrationprocess. The second customer image from the local camera is stored inthe customer record at step 1046. After the customer image from thescanned ID and the customer photograph have been captured, at step 1048the customer may be prompted to enter a biometric, e.g., a thumb print,palm vein scan, retinal scan, voice scan, etc. At step 1050, thecustomer biometric parameter is captured and subsequently stored at step1052 in the customer record.

During the creation of the customer record at the central office ashereinafter described, the central office may access available publicrecords using the customer's name or other information acquired from thescanned customer ID in order to populate other fields in the customerrecord as the information may be available. In some instances, if a useris only interested in accessing certain basic services, such as a billpay service, a biometric parameter may not be required. In this case theprocess may skip from step 1046 to step 1054. Other services, forexample, funds transfer services may require a biometric parameter andadditional personal information. The amount of user information requiredto access a service may be dictated by the service provider or bygovernmental regulations.

At step 1054, a customer identification number or code (CID) is createdand stored in the customer record at step 1056. In different variations,the user may be prompted to enter a CID of his or her choice. This maybe done, for example in conjunction with the user photo ID scan. If theCID is assigned by the central office, the CID is transmitted to theterminal or kiosk where it is displayed to the customer. The display mayinclude messages such as, “please save this number for a futurereference,” or “do not share this number with other people.” A CIDassigned by the central office may be temporary, in which case, the usermay select a different CID at a later date or stage in the process. Ifthe customer CID has not been stored in the customer record, thecustomer CID is stored in the customer record at step 1058.

At step 1060, the kiosk or remote terminal may display a completionmessage such as, “congratulations, you have completed basicregistration,” or a similar message. The display may also includeavailable services or services that are available with a basicregistration. The display may also include an instruction such as, “inthe future, you may access selected services with your CID and yourbiometric parameter.” During the registration process, discrete piecesof information may be input at 110 and transmitted to central office 116as the information is collected. For example, a scan of a photo ID maybe captured and transmitted to central office 116 for record creationbefore a biometric parameter, zip code, telephone number or otherinformation is collected. In other variations, all required informationmay be collected at kiosk or terminal 110 before being transmitted tocentral office 116 as a single data package after which the centraloffice may create a user record.

Some services may require more person information than other services.For example, a bill pay service may require minimal basic informationwhile a funds withdrawal or funds transfer transaction may requireadditional information, such as a biometric parameter. A user may alsowish to add additional information to his or her record, such as abiometric parameter as a further safeguard against unauthorized use ofthe user's registration. At step 1062, the customer may be prompted witha display such as “other services require advanced registration. Wouldyou like the convenience and security of advanced registration?” If thecustomer does not elect advanced registration at step 1064, the customeris prompted at step 1066 to select a service. If the customer elects notto select a service at step 1068, the process ends at step 1070. If thecustomer selects a service, the service menu is displayed at step 1072enabling the customer to access the service after which the process endsat 1074. If a user attempts to access a service requiring advancedregistration, for example, require more personal information or theaddition of a biometric parameter, the customer will be prompted at step1062 to add or update his or her record or profile with the informationrequired to access the service.

Alternatively, if the customer selects advanced registration at step1064, the customer is prompted to select the desired level at step 1076.The different levels may be designated for example as gold, silver orplatinum and the services available for each level of registration maybe displayed. If the customer selects an advanced level of registrationat steps 1078-1082, the customer is prompted at steps 1094-1098 to enterthe information required for the selected registration level. Suchinformation may include, for example, a driver's license number, asocial security number, an address and/or information regarding thecustomer's credit lines, for example, credit card information.Alternatively, if the customer fails to select a particular advancedregistration level, the process ends at step 1086 and loops back at step1090 to Start 1000. Likewise, if the customer fails to enter therequired information at step 1100, the process ends and returns to Start1000 at step 1102.

If the customer enters the required information and the entry isconfirmed by the central office, a completion display may be displayedto the customer at step 1106 indicating the level of registration thatthe customer is registered for. The display may include a list of theservices that are available to the customer at the selected registrationlevel. At step 1108, the customer is prompted to select a service forwhich the customer is registered. Such services may include, forexample, funds transfer, cash withdrawal, check cashing, etc. If thecustomer fails to select a service at step 1110, the process ends atstep 1112 and loops back to Start 1000. If the customer selects aservice at step 1116, the central office confirms whether or not thecustomer is registered for the selected service. If the customer is notregistered for the selected service, the process loops back at step 1118to step 1062 and the customer is prompted to select an appropriateregistration level.

If the customer is registered at the appropriate level for the service,a prompt for the service is displayed at step 1120. The display mayprompt the customer to enter information required for the transaction,for example, the amount of the transaction or in the case of a fundstransfer, the destination of the funds. The customer then enters theinformation required to conduct the transaction at step 1122 after whichthe service is accessed at step 1124 by the central office. Thetransaction is then processed through the central office at step 1126after which the process loops back to Start 1000 at step 1128. If thecustomer is not registered at the appropriate level for the service, theprocess loops back to step 1062.

Referring to FIGS. 2A and 2B, each of terminals 110 is provided with anumber of user interface devices (physical system or external resources)mounted in a housing 201 to allow a user to interface with the terminal110. In one variation, the devices include a keyboard 202, a magneticcard scanner 204, an ID scanner 206, a smart card scanner 208 and atouch screen 210. Other user interface devices include a proximitysensor 212, a motion detector 214, a check scanner 216, a currencyreader 218, a voice recognition model 220 and a video camera 222.Terminal 110 may also include a biometric parameter interface devicesuch as a palm vein scanner 224 for authentication purposes. Each of theuser interface devices may be connected to a CPU 244 (terminalprocessing unit) in terminal 110. Each of the interface devices may beinterfaced with CPU 244 via a physical system resource interface 203including hardware and software enabling the physical system resource tocommunicate with CPU 244.

Each of terminals 110 may also include a variety of output interfacedevices (also external resources) that enable the terminal to provideservices to users. Such output devices may include a currency dispenser226, a magnetic card dispenser 228, a smart card dispenser 230, ticketprinters 232 and a receipt printer 234. In one embodiment, terminal 110may also include a document printer 236, a media display device 238, amoney order dispenser 240 and an audio output device such as a speaker242. Referring specifically to FIG. 2A, in one variation, the mediadisplay device 238 may comprise a large, flat screen monitor fordisplaying promotional information such as advertisements for differentgoods and services. As illustrated, each of terminals 110 also includesa data storage device 246 (data store) associated with CPU 244. In oneembodiment, CPU 244 interfaces with central office 116 via a public orprivate network 118 (communications resource).

Referring still to FIGS. 2A and 2B, in one embodiment each of devices202-242 are independently controlled. Thus, if one of devices 202-242fails, for example, if check scanner 216 jams, the individual device ormodule may be disabled along with the services that it supports withoutaffecting the remaining modules and services. An operating system runson CPU 244 (processing platform), which, among other functions, monitorsthe status of available physical system or external resources via thephysical system resources interfaces 203. In this manner, terminal 110functions as a resources manager for managing available physical systemor external resources. For example, if ticket printer 232 failsmechanically, the ticket printing services provided by terminal 110 maybe disabled while the remaining services provided by the terminal arestill available to users. In one embodiment, each of terminals 110transmits a message to central office processor 114 at predeterminedintervals with the status of each of devices 202-242. In the event thata service becomes unavailable due to a hardware failure or similarproblem, the particular service may be “grayed out” on screen 210.

FIG. 2C is a block diagram illustrating the manner in which differentterminals 110 may be configured in system 100. Service providers 112 mayprovide a wide range of different services. Each of the serviceproviders 112 may have configuration information associated with theprovider and/or with a service of the provider. The configurationinformation may include information defining the provider 112, and/or aservice that the provider provides. The configuration may also include a“script,” e.g., an instruction set defining a set of predeterminedactions that are to be completed in a defined sequence to enable accessto the service provider and/or service of the service provider. Aconfiguration for a service provider 112 and/or for a service may bedownloaded from the service provider to the central office processor 114and, in turn, downloaded in whole or in part to selected ones ofterminals 110 to enable a user to access the service provider of aprovider service. The instructions incorporated in the script may beexecuted by the terminal 110 in conjunction with central officeprocessor 114 to enable a user to access a user-selected service. Agiven configuration may identify the physical resources required toaccess a provider 112 and/or service. In many cases, multipleconfigurations or scripts may require the same physical system resourcesfor execution of an instruction set or script. In some embodiments, theoperating system may disable access to a provider 112 or service if arequired physical system resource is unavailable.

Referring still to FIG. 2C, company A may provide service s1, company Bmay provide services s2 and s3 and company C may provide service s4.Such services may include providing tickets for different entertainmentevents, currency transfers and dispensing a variety of stored valuecards such as debit cards, gift cards and telephone cards. However, someservices may be more desirable to different population segments atdifferent times due to factors such as demographics, cultural factors,income levels, holidays and the location of a specific terminal 110.Consequently, it may be desirable to configure different terminals 110to provide different services at different locations or to configure aterminal based on a user profile. For example, as illustrated, terminal110A may be configured with service modules to provide service s1 and s4from companies A and C, respectively. Terminal 110B may be configuredwith service modules to provide services s2 and s4 from companies B andC. Terminal 110C may be configured with service modules to provideservices s1, s3 and s4 from companies A, B and C, respectively to paythe customer's bills, transfer funds, print receipts, coupons, moneyorders, tickets or similar documents.

Referring now to FIGS. 2D and 2E, there is illustrated a more detaileddiagram of the terminal 110 and the manner by which it interfaces withthe various physical system or external resources. There is illustratedthe processor 244, which is operable to interface with a plurality ofexternal resources 270, which, as described hereinabove, can be any typeof hardware resource that allows a user to interface with the variousservice providers through the central office. In general, the terminal110 does not possess the capability to allow a user to interface withany kind of service to conduct a financial transaction without beingconnected to the central office. This is not to say that such could notbe implemented. However, for example, if a user were provided a codethat could be input to a terminal 110 through the keypad (one of theexternal resources 270), this would allow the user to retrieve cash froma cash dispenser (another one of the external resources 270). However,if the terminal 110 did not interface with the central office or theservice provider through the central office processor 114, then thatwould require the terminal 110 to have associated therewith all of theinformation necessary to authorize a particular user on that terminal110 in addition to preprocessed information about an already in processfinancial transaction. This would mean that all of the terminals 110would be required to have all of that information. This is not practicalfor most financial transactions. These are not pay-as-you go typeterminals that would allow a user to input value and receive valuetherefrom with a percentage of the input value retained as a fee andmaintained in the system independent of the operation of any externalprocessing system.

The processor 244 has associated therewith a light operating system thatprovides the basic operating parameters to interface with the centraloffice, interface with the storage database 246 containing the variousservice modules, and also interface with the physical system or externalresources 270. In order to interface with the external resources 270,there is provided a hardware interface 272 associated with each externalresource 270. This external resource basically is a physical terminal orconnector that can receive a connection or cable from the externalresource 270 and this will typically allow bi-directional communication.Data can be transmitted to the external resource 270 for a printer, forexample, and information can be received back from that printerindicating an error. Therefore, there will always be some type ofmonitor function associated with a particular external resource 270 inaddition to a data transfer path.

The data transfer path is illustrated by a path 274 and the monitoringinformation is represented by a path 276. Any type of well-knownconnection can be used to provide this. In recent years, most externalresources in the form of printers, keyboards, and the like, utilized aconventional communication link such as a serial USB connection. TheseUSB interfaces utilize a common driver interface such that plugging theUSB cord from the external resource 270 into the hardware interface willallow the processor 244 to recognize the device and essentially identifythat device. Further, after the hardware interface has been provided,there will then be some type of driver software that will be requiredfor the processor 244 to effect an interface with the external resource270. Even though the hardware interface may be a USB interface or someproprietary interface, there still must be some type of driver softwareto allow communication with the external resource. For example, aprinter may be recognized as a particular printer through a USBinterface or other type of serial or parallel port interface, but driversoftware is required in order to utilize the full functionality of thatparticular external printer or other external resource. If the externalresource 270 were a display, then a particular cable or interface suchas a VGA cable would be required to interface with the display.Appropriate drivers would be required for the display. Sometimes, theoperating system itself has predefined drivers for displays, as theseare somewhat universal. For some resources, however, special driverswould be required to utilize the full functionality of that particularresource.

The processor 244 then manages the resources 270 by keeping a table ofavailable resources. If a resource fails, this will be communicatedthrough the hardware interface to the processor 244 and may, in fact,require the use of the driver software to interface with the externalresource 270 to provide this monitoring function. If the resource failsor if it is not connected, this would be recognized by the processor244. For example, when a particular configuration is provided, it mayrequire a cash dispenser, a keyboard input and a display output inaddition to a biometric scanner. The particular software script thatcomprises part of the service module will require all of these resourcesin order to function. Therefore, there will be a list of availableresources that must exist in order for a particular terminal 110 toconstitute a fully operating terminal for that service in accordancewith the configuration information provided by the central officeprocessor 114. If one of these resources disappears, this will disable aparticular service module and this will be communicated back to thecentral office 116 during the “heartbeat.”

The storage region 246 will be the area where the various servicemodules “script” is stored. This is the sequence of instructions thatmust be carried out in order to effect the portion of the transactionsthat is associated with a particular terminal 110. For example, one ofthe first transactions that will occur and that constitutes a servicemodule is an authorization module. This authorization module willrequire authentication of an individual by requiring them to entercertain information, such as name, password, CID information, and evenbiometric data. This will be utilized to authenticate the individual atthe central office 116, after which the user will then be presented adisplay of the available services that can be used or, more likely, theservices will first be provided in a “grayed-out” format to the user andupon authentication, will be un-grayed-out so that the user knows theynow have access, i.e., they have been authenticated. After that, theuser can then select one of the service modules and, upon selectionthereof, the service module will sequentially access the variousexternal resources to effect the transaction in conjunction with thecentral office 116, as will be disclosed hereinbelow. Thus, each of theservice modules s1, s2, s3 . . . sn will be stored therein, which eachconstitute a portion of the script or transaction process required to beexecuted by the terminal 110 for a particular service. This is theconfiguration information that is downloaded from the central officeprocessor 114. However, it should also be understood that a particularterminal 110 could have all of the service modules fully loaded thereinand all that the central office 116 would be required to do would be toactivate a particular service on a terminal 110.

Two of the resource interfaces 272 are illustrated as being associatedwith communication external resources, one being an external resource280 labeled COM1 and a second one 282 labeled COM2. Each of these isinterfaced with separate networks 284 and 286, respectively. Forexample, one communication protocol could be a dial-up modem and theother could be an Ethernet card. Either of these can interface aseparate and different network utilizing a separate and differentprotocol. Both, alternatively, could be the same hardware resource forredundancy purposes. This resource allows the processor 244 tocommunicate with the central office 116.

FIGS. 3A and 3B is a block diagram of a method implemented via a systemsuch as system 100 of FIG. 1A. The process begins at 30 where centraloffice 116 receives a message from a terminal 110 at step 32 indicatingthat an unregistered customer is seeking to conduct a transaction orattempting to register. At step 34, registration script is transmittedfrom central office 116 to the terminal 110 if the script is notresident on the terminal. It will be understood that the steps describedin connection with FIGS. 3A and 3B will be conducted primarily by frontend processor 122 of central office 116 except as necessary to interfacewith a service provider 112.

At step 36, registration data is received from terminal 110. Suchinformation may include a customer biometric and a scanned image of thecustomer's verifiable ID. It will be understood that the information maybe streamed from the terminal to the central office or transmitted as asingle block of data. The information is compared to existing customerrecords to identify possible duplicate records. If it appears that thedata duplicates an existing record at step 38, an error message istransmitted to the terminal at step 40 and the process is terminated atstep 42. If no duplicate data is detected, at step 44 the image from theuser's ID is compared to the image captured by the terminal camera.Preferably, multiple images are captured by the terminal camera tofacilitate the comparison. The comparison may be conducted by a humanattendant of central office 116 or by an automated system utilizingfacial recognition software. If the images do not match at step 46, anerror message is transmitted to the terminal at step 40 and the processis terminated at step 42.

If the images match, the image of the user ID is OCR'd at step 48 and auser record is created and a CID is assigned at step 50. The user recordis populated with data from the scanned ID at step 52. At step 54,available databases may be queried to identify data that may be used topopulate the user record. Such databases may include bill paymentrecords, telephone listing, address listings, employment records andother commercially available databases. If such records are located atstep 56, the information is used to populate the user record at step 58.Information obtained in this manner may also be used to conduct a checkfor duplicate or erroneous data in the user record. For example, thecomparison may identify an individual attempting to register usinganother individual's identity. At this point, the user has completedbasic registration and the terminal prompts the user to select advancedregistration. If the user elects not to seek advanced registration atstep 60, a registration complete message is transmitted to the terminalat step 62, and the process is terminated. If the user elects to proceedwith advanced registration, and then fails to complete the registrationby providing the required information at step 64, the process isterminated at step 66. If the user information is received, theinformation is used to populate the user record at step 68 and aregistration complete message is transmitted to the terminal at 70. Ifthe user then elects to conduct a transaction at step 72, thetransaction is conducted at step 74 and the user is prompted to selectanother transaction at step 76 and if another transaction is selected,the process loops back to 74. If no transaction is selected, the processis terminated at step 78.

FIGS. 4A and 4B is a flowchart illustrating a method utilizing system100 of FIG. 1A. At step 400, the process begins with the user initiatinga transaction at step 402 by entering the user's CID and biometricparameter. At step 404, the user's photo and or biometric, obtained bythe terminal camera when the transaction is initiated, is compared withthe image and/or biometric from the user's record. This check may bedone at random, for selected users, or for each transaction. The checkmay be accomplished by an attendant at central office 116, or the checkmay be automated, using for example, facial recognition software. If thecompared parameters do not match at step 406, the front end processor122 may initiate an alert at step 408 and transmit an error message tothe terminal at step 410 with the process terminating at step 412. Thealert may be displayed on a screen at central office 116, alerting anattendant of the mismatch. The user record may also be checked at thisstep for accuracy and completeness. For example, if the record userphoto ID is a driver's license, the expiration date may be checked. Ifthe license is expired, the user may be prompted to update his or herrecord by scanning a current driver's license. Similarly, the address onthe driver's license no longer matches other information in the userrecord, the user may be prompted to update the information orre-register for the user's selected services.

If the user photo and biometric match the user record, a script for theuser selected transmission may be transmitted to the terminal at step414 if the script is not resident on the terminal. If the central officedoes not receive the information required for the transaction at step416, an error message is transmitted to the terminal at 418 and theprocess is terminated at 412. If the data is received, the transactionand user parameters may be matched based upon preselected criteria atstep 420.

Such parameters may include user transaction frequency and type, time,transaction amount, the geographical area where the transactionoriginated, etc. For example, if a transaction occurs more than, forexample 100 miles from the user's address of record, the transaction maybe denied. Similarly, if a second transaction is attempted at ageographical location remote from the location of a first transactionwithin a predetermined time window, the second transaction may bedenied. For example, if the first transaction occurred in Chicago at10:00 am and a second transaction was attempted in Phoenix at 10:20, thesecond transaction may be denied. Such matching may be used to identifypotential fraud, attempts to circumvent federal anti-money launderingregulations and other activity of interest. The results of the match arecompared to a threshold value for the selected parameter or parametersat step 422 and if the threshold is exceeded, an alert may be generatedat step 424. At step 426 a determination is made as to whether or not toallow the transaction to continue based upon preselected criteria. Ifthe criterion indicates that the transaction should not proceed, theprocess is terminated at step 412.

If the process is allowed to continue, the user data is formatted and/orcompiled for the user by the selected service provider at 428 andtransmitted to the provider at 430. The steps of formatting andtransmitting the data will be conducted by the back end processor 124 ofcentral office 116. During the course of the transaction, data may bestreamed or multiple data blocks and instructions may be transmittedback and forth between the back end processor and the user selectedservice provider as illustrated and described in U.S. Publication No.2010/0179990, published Jul. 15, 2010, U.S. patent application Ser. No.12/684,929, to Cacheria, et al., filed Jan. 9, 2010, the disclosure ofwhich is incorporated herein for all purposes.

If the data is accepted by the selected service provider at step 432,the transaction is conducted and the user's record updated to reflectthe transaction. If the service provider rejects the transmitted data,an error message is transmitted to the terminal at step 434 and thetransaction is terminated at step 436. If the user selects anothertransaction at 440, the process loops back to start 400, if not, thetransaction is terminated at step 444.

It will be appreciated by those skilled in the art having the benefit ofthis disclosure that this system and method for formless, self-serviceregistration for access to financial services provides a system andmethod for formless self-service registration for access to financialand other services. It should be understood that the drawings anddetailed description herein are to be regarded in an illustrative ratherthan a restrictive manner, and are not intended to be limiting to theparticular forms and examples disclosed. On the contrary, included areany further modifications, changes, rearrangements, substitutions,alternatives, design choices, and embodiments apparent to those ofordinary skill in the art, without departing from the spirit and scopehereof, as defined by the following claims. Thus, it is intended thatthe following claims be interpreted to embrace all such furthermodifications, changes, rearrangements, substitutions, alternatives,design choices, and embodiments.

1. A method for enabling users to access financial services ofsubscribing financial services with a central verification system,comprises the steps: creating a verifiable user profile for a given userby the steps of: the given user presenting, at a fixed location, averifiable identification (ID) with a photo attached thereto, whichverifiable ID can be verified by a third party as being associated withthe photograph on the verifiable ID; inputting biometrics of the givenuser; taking a photograph of the given user proximate to the fixedlocation at which the verifiable ID and the biometrics are input; andtransmitting the verifiable ID, biometrics and photograph to the centralverification system; providing a unique code from the centralverification system to the given user after receipt of the verifiableID, the input biometrics and the photograph; initiating a financialtransaction by the given user, comprising the steps of: presenting, at afinancial transactions location a list of available financial servicesto the given user in response to the given user being proximate thereto,wherein at least one of the available financial services is from thegroup of the subscribing financial services; selecting by the given userat least the subscribing financial service; taking a photo with a cameradisposed at the financial transactions location; inputting thebiometrics by the given user at the financial transactions location;receiving the code from the user; transmitting the code, biometrics andphoto to the central verification system; verifying that the received atleast the biometrics and the received code that the user is in factassociated with the central verification system; and allowing thetransaction to go forward after verification.
 2. The method of claim 1,further comprising completing the transaction after verificationallowing the financial transaction to go forward.
 3. The method of claim1, wherein the operation of creating the verifiable user profile isconducted at a physical kiosk having an input device for receiving averifiable ID with photograph and the biometrics in addition to having acamera associated therewith for taking a photograph.
 4. The method ofclaim 3, wherein the physical kiosk includes the ability to take morethan one photograph, at least one being known by the given user taken atthe time of inputting the information, and the other photographs beingcapable of being taken at different times proximate to the time of inputof the information.
 5. The method of claim 3, wherein there are providedmultiple cameras at different angles, wherein at least one of thecameras is known to the given user to be taking a photograph of thegiven user proximate the time of input of the information during thecreation operation and the other cameras being hidden from the givenuser's knowledge and possibly the view of the given user before takingpictures also proximate in time to the time of input of eitherverifiable IDs or biometrics.
 6. The method of claim 5, wherein thefinancial transactions location for conducting a transaction includes atleast one additional camera for taking a photograph unknown to the givenuser at the time of initiating the financial transaction.
 7. The methodof claim 1, wherein the step of presenting a list of financial servicescomprises providing an indicator for the at least one subscribingfinancial service to indicate to the given user the one of the availablefinancial services associated with the verifiable user profile.
 8. Themethod of claim 1, wherein a display is provided at the fixed location.9. A system for enabling users to register to use third party externalfinancial services, comprising: a central office comprising an operatingplatform including a processor and a communication interface, thecentral office including a user database including a plurality ofrecords for individual users stored on a database, the user records eachincluding a user customer identification number, the user's name andaddress, an image of an identification card of the user, a verificationimage of the user and an associated biometric parameter of the user;wherein the central office is operative to communicate via thecommunication interface with a plurality of formless, self-serviceregistration stations remote from the central office, each of theformless, self-service registration stations including a camera operableto create a user verification image, a card scanner operable to createan image of an identification card of the user, a biometric scanneroperable to record a biometric parameter of the user and a userinterface adapted to enable a user to initiate a registration procedurefor registering the user for access to third party financial services;whereby a self-service formless registration station scans a customeridentification card with the card scanner, the customer identificationcard including text including the user's name and address, theself-service formless registration station further photographing theuser to create a verification image of the user and recording abiometric parameter unique to the user, whereupon the self-serviceformless registration station transmits an image of the customeridentification card, the biometric parameter and the verification imageof the user to the central office; wherein the operating platform isoperable to translate text from the transmitted image of user's customeridentification card including the user's name and address and whereinthe operating platform is further operable to create a record for theuser including a customer identification number for the user, theverification image of the user, the image of the user's identificationcard and the translated text from the user's identification card, theoperating platform using the translated text to populate fields in theuser record including the user's name and address; and wherein theoperating platform is operable to retrieve and display a user recordincluding the user verification image, the image of the useridentification card, the user's name and address to an administrator forreview of the user record.
 10. The system of claim 9 wherein theself-serviced registration stations each include a user interfaceadapted to enable a user to initiate a registration procedure forregistering the user.
 11. The system of claim 10 wherein the userinterface is operable to enable a user to select a customeridentification number.
 12. The system of claim 9 wherein the centraloffice is operative to identify attempted duplicate registrations bymeans of comparing one or more of a user image captured from anidentification card of the user, a verification image of the user and anassociated biometric parameter of the user with existing user records.13. A method of registering potential users of financial servicesprovided by multiple institutions with a single formless registration,the method comprising: identifying an unregistered potential user ofservices present at a terminal; prompting the user to scan a photoidentification card and capturing an image of the photo identificationcard; prompting the user to enter a biometric parameter; transmittingthe captured image of the user photo identification card to a centraloffice remote from the terminal; creating a user record for the user atthe central office; populating the user record with data from thescanned user identification card and the biometric parameter;transmitting a user customer identification number from the centraloffice to the terminal; and displaying the customer identificationnumber to the user, the customer identification number enabling a userto access at least one of the plurality of service providers through thecentral office wherein the user enters the user's customeridentification number along with the user's biometric at a terminalremote from the central office to access the service provider.
 14. Themethod of claim 13 further comprising capturing a photographic image ofthe unregistered potential user of services present at the terminal andtransmitting the photographic image of the unregistered potential userto the central office and storing the photographic image in the userrecord.